If the existing house is not a mortgage loan, but you use your own existing house loan, you need to apply for a real estate certificate first.

Because bank real estate loans require a real estate certificate. Without a real estate certificate, you cannot get a loan. Therefore, a new house needs to apply for a real estate certificate first. If it is a mortgaged house, you can apply for the real estate certificate first or later. However, the real estate certificate of the mortgage loan house will be kept by the bank mortgage agent. After the mortgage loan is repaid, the real estate certificate will be obtained.

Existing home loans require the real estate certificate to be mortgaged to the bank. Therefore, when applying for a loan, the user must issue the real estate certificate to obtain the loan. This requires the user to obtain the real estate certificate before the loan. Of course, the real estate certificate for existing home loans is usually mortgaged with the bank. Some banks will also let users keep the real estate certificate themselves, and the bank will only do the relevant registration. Regardless of whether the real estate certificate is kept by the bank or the lender, after the user pays off the mortgage, he must go through the mortgage release procedures, otherwise the user will not have ownership of the property.

Steps:

1. The borrower prepares the application materials, goes to the Postal Bank branch, fills in the loan written application form, and submits the application materials. Generally required information includes: ID card, household register, house purchase contract, income certificate, etc.

2. After Postal Bank reviews the application materials, the borrower and Postal Bank sign a loan contract and a guarantee contract.

3. After obtaining the real estate certificate, the borrower must go through procedures such as house mortgage registration.

4. After all procedures are completed, the Postal Bank will issue the loan. Generally, the loan will be directly transferred to the developer's account, and then the borrower will repay the principal and interest of the loan on time.